Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

East Alabama Community Federal Credit Union

Opelika, AlabamaCredit UnionAtlanta Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research/ Reconciliation Fee$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=account_research; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Account Research/ Reconciliation Fee | $10.00 per hour Minimum fee $10.00" · Source

Christmas Club Account Early Withdrawal Fee$5

$10 below the national median

per transaction · Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=early_closure; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Christmas Club Account Early Withdrawal Fee | $5.00 per withdrawal or transfer" · Source

Inactive Share/Share Draft Account Fee$12

$7 above the national median

per year · Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=dormant_account; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Inactive Share/Share Draft Account Fee | $12.00 per year if account is inactive for 12 consecutive months" · Source

Overdraft & NSFVerified

ATM/Debit Withdrawal NSF Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=nsf; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="ATM/Debit Withdrawal NSF Fee | $30.00 per item" · Source
Overdraft Privilege Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=overdraft; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Overdraft Privilege Fee | $30.00 per presentment" · Source

ATM & CardVerified

ATM/Debit/Chip Card Replacement Fee$8Within the typical range ($5–$10 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=card_replacement; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="ATM/Debit/Chip Card Replacement Fee | $8.00 per replacement" · Source

Check ServicesVerified

Copy of check$1Below the typical range ($2–$5 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=check_image; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Copy of check | $1.00 per check copy" · Source
Money Order Fee$1Below the typical range ($2–$3 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=money_order; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Money Order Fee | $1.00 per money order" · Source
Official Check Fee$5Within the typical range ($3–$6 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=cashiers_check; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Official Check Fee | $5.00 per check" · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=stop_payment; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Stop Payment Fee | $30.00 per draft or series of drafts" · Source

Account ServicesVerified

Garnishment/Levy$10Below the typical range ($30–$75 nationally)
$40 below the national median
Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=garnishment_levy; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Garnishment/Levy | $10.00 per occurrence" · Source

Gift & Prepaid CardsVerified

VISA Gift Card Fee$4Within the typical range ($3–$4.95 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=gift_card_purchase; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="VISA Gift Card Fee | $4.00 per card" · Source

Other FeesVerified

Statement Copy Fee / Instant Statement$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=document_reproduction; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Statement Copy Fee / Instant Statement | $2.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/ Reconciliation Fee	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=account_research; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Account Research/ Reconciliation Fee \| $10.00 per hour Minimum fee $10.00"	Source
Christmas Club Account Early Withdrawal Fee	$5Below the typical range ($10–$25 nationally)	$10 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=early_closure; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Christmas Club Account Early Withdrawal Fee \| $5.00 per withdrawal or transfer"	Source
Inactive Share/Share Draft Account Fee	$12Above the typical range ($5–$10 nationally)	$7 above the national median	per year	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=dormant_account; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Inactive Share/Share Draft Account Fee \| $12.00 per year if account is inactive for 12 consecutive months"	Source
Overdraft & NSFVerified
ATM/Debit Withdrawal NSF Fee	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=nsf; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="ATM/Debit Withdrawal NSF Fee \| $30.00 per item"	Source
Overdraft Privilege Fee	$30
ATM & CardVerified
ATM/Debit/Chip Card Replacement Fee	$8Within the typical range ($5–$10 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=card_replacement; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="ATM/Debit/Chip Card Replacement Fee \| $8.00 per replacement"	Source
Check ServicesVerified
Copy of check	$1Below the typical range ($2–$5 nationally)	$2 below the national median	per item	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=check_image; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Copy of check \| $1.00 per check copy"	Source
Money Order Fee	$1
Account ServicesVerified
Garnishment/Levy	$10Below the typical range ($30–$75 nationally)	$40 below the national median	—	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=garnishment_levy; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Garnishment/Levy \| $10.00 per occurrence"	Source
Gift & Prepaid CardsVerified
VISA Gift Card Fee	$4Within the typical range ($3–$4.95 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=gift_card_purchase; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="VISA Gift Card Fee \| $4.00 per card"	Source
Other FeesVerified
Statement Copy Fee / Instant Statement	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #9892. canonical_hint=document_reproduction; text_hash=ae7c34b4e12b9658ef44cbbed69a64efa25921a896137d3fd622bf61df07bdd6; excerpt="Statement Copy Fee / Instant Statement \| $2.00 per statement"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 13 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$20.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$20.8M

Total deposits

$17.8M

Service charge income (year to date)

$92K

Fee income ratio

16.4%

Return on assets

0.36%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 27,539 verified fees from 2,277 institutions

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